Additional Insurance Services – Ray Insurance Agency
Coverage That Goes Beyond the Basics
Not every need fits the usual categories — and that’s okay. At Ray Insurance Agency, we offer a range of additional insurance services to help protect the real-life risks faced by families, farmers, and businesses across West Central Illinois. From off-road vehicles to personal planning and private property, we’re here with local support and honest advice.
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Local Coverage from People Who Understand Your needs
What Do Our Additional Insurance Services Cover?
These policies provide added protection where standard coverage may fall short — always tailored to your needs and explained in plain terms.
Life insurance
Term and whole life policies designed to help protect your family’s future and support long-term financial planning.
Health Insurance Guidance
One-on-one support navigating available options for individuals, families, and small business owners.
Hunting Land Recreational Liability
Specialized coverage for rural property owners who want to protect their land and visitors during outdoor activities.
Umberella coverage
Extended liability protection that picks up where your other policies leave off — for added peace of mind.
Frequently Asked Questions
Whether you're expanding coverage or planning ahead, Ray Insurance Agency is here with support you can count on. Let’s talk about what’s important to you — and how to keep it protected with insurance that makes sense for life in West Central Illinois.
These are questions we hear often from clients in Mount Sterling and the surrounding communities. If you don’t see your answer here, just call us at (217) 773-3851 — we’re happy to talk it through.
What does umbrella insurance cover and who should have it?
Umbrella insurance adds extra liability protection on top of your standard home, auto, or farm policies. It’s a smart option for anyone who wants added peace of mind — especially if you own property, have significant assets, or just want more financial protection in the event of a major claim.
Can Ray Insurance Agency help me understand my health plan options?
Yes. We offer personalized guidance to help you review available health insurance plans — whether you're looking for individual coverage, family plans, or Medicare supplements. We’ll walk you through your options so you can make a confident decision.
Do I need special coverage for hunting land or rural recreation?
If you own land that’s used for hunting or outdoor activities, specialized liability coverage is a good idea. It helps protect you if someone is injured on your property or if damage occurs during recreational use.
What’s the difference between term and whole life insurance?
Term life insurance offers coverage for a set number of years, usually with lower premiums — a great option for temporary needs. Whole life insurance lasts your entire life and builds cash value over time, offering both protection and a financial planning tool. We can help you choose what fits your goals.